Contingent Liability coverage provides a layer of protection by providing defense to the Motor Carrier when a qualified Independent Contractor attempts to collect Workers’ Compensation benefits as an employee.

  • We have the right and duty to provide legal defense of the Motor Carrier(s) listed as Named Insured against these claims.
  • Should the driver be deemed an employee, we will provide benefits equivalent to those payable under the Workers’ Compensation statutes and Employers Liability law.

Contingent Liability Insurance is not a substitute for Workers’ Compensation insurance, and it will not satisfy compliance requirements for an employer to purchase a Workers’ Compensation policy. Motor Carriers must sponsor a Great American Occupational Accident program to be eligible for Contingent Liability.

*Coverage is underwritten by Great American E&S Insurance Company.